9M FY2023 Financial Performance

Asset Quality Allowances for losses on loans GIL Ratio Composition P&L ECL (RM million) за FY2022 4Q FY2022 FY2023 1Q 2Q FY2023 3Q FY2023 9M 9M FY2022 FY2023 Sep Dec Mar Jun Sep 2022 2022 2023 2023 2023 Stage 1, net 329 (205) (87) (73) (66) 111 (226) Non Performing Loans (NPL) 1.27% 1.22% 1.25% 1.15% 1.06% Stage 2, net (274) 129 407 132 (68) (304) 471 Stage 3, net 655 563 165 652 667 2,361 1,484 Restructured & Rescheduled (R&R) 0.07% 0.07% 0.04% 0.10% 0.10% Write-offs 21 27 9 22 13 60 44 Recoveries (139) (207) (136) (174) (111) (357) (421) Other debts 8 2 1 4 5 9 10 Performing Loans Impaired Due to Judgmental/ Obligatory Triggers (IPL) 0.36% 0.28% 0.21% 0.22% 0.28% Total 600 309 360 562 440 1,880 1,362 Total GIL Ratio 1.70% 1.57% 1.50% 1.47% 1.43% Of which: Group Community Financial Services (GCFS) 312 1,343 Malaysia Group Global Banking (GGB) 1,568 29 Singapore Group Insurance & Takaful (Etiqa) 1 (10) Indonesia 1.45% 1.38% 1.37% 1.34% 1.30% 0.64% 0.57% 0.60% 0.61% 0.70% 4.10% 4.19% 4.14% 4.06% 4.45% Net Charge Off Rate (bps) (45) (31) 3Q FY2022 4Q FY2022 1Q FY2023 2Q FY2023 3Q FY2023 Loan loss coverage 122.3% 131.2% 133.5% 130.3% 127.1% Loan loss coverage incl. Regulatory 133.3% 146.9% 146.7% 145.7% 143.8% Reserve Note: Loan loss coverage includes ECL for loans at FVOCI as per Note A11(xii) of the Group's Financial Statements 32

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